THE INVISIBLE BUDGET.
We built PennyPing because traditional budgeting apps failed us. Staring at complex dashboards and manually categorizing 40 spreadsheet rows every Sunday created friction instead of freedom.
WHO WE ARE
We are financial technologists and engineers obsessed with removing interface friction. We believe that the best financial software is the software you never have to open.
Awareness at the exact point of sale curtails impulse spending better than any weekend spreadsheet audit ever could.
WHAT WE OFFER
PennyPing connects securely to your credit cards and checking accounts. Every time you swipe your card, our engine calculates your category burn pace and texts your handset in under 0.4 seconds.
- 100% Text-Native SMS Glances
- Automatic Multi-Split (Target, Costco)
- Daily Safe-Burn Allowance Telemetry
- 256-Bit Read-Only Bank Encryption
WHY PENNYPING BEATS TRADITIONAL BUDGETING APPS
Why 87% of people abandon YNAB, Monarch, and Rocket Money within 30 days.
- • High Friction & Dashboard Fatigue:Requires unlocking your phone, opening an app, and manually reviewing 40 categories.
- • Post-Mortem Awareness:You only see you overspent days or weeks later when you finally check the app.
- • Overpriced ($15.00/mo or $120+/yr):Forces you to pay high subscription costs for complex charting tools you rarely use.
- • 100% Zero-Friction SMS:Glance at your lock screen for 1 second. No app to open, no login required.
- • Real-Time Point-of-Sale Guardrail:Your phone buzzes before you even leave the checkout counter with exact safe allowances.
- • 3x Cheaper ($4.99/mo):Accessible pricing with transparent unit economics and zero lock-in.
OUR COMMITMENT TO PRIVACY & BANK SECURITY
PennyPing operates exclusively with read-only telemetry provided through Plaid. We cannot move funds, initiate transfers, or touch your money. We never sell phone numbers or personal data to advertisers.
EXPERIENCE THE INVISIBLE BUDGET
Start your 14-day free trial today. No credit card required.